Four products. One intelligence layer for modern banking.
From customer acquisition and merchant acquiring, to internal AI productivity and real-time fraud defence — every layer of the bank, rebuilt with agentic intelligence at its core.
Moby
Neo
White-label neobanking & acquiring platform in your bank's brand.
Moby
Hive
Private AI workforce hub — role-aware, governed, audit-ready.
Moby
MRM
Agentic merchant relationship management from onboarding to retention.
Moby
Sentry
Multi-agent fraud detection and compliance automation 24/7.
Turn your bank licence into a branded acquiring ecosystem
A white-label platform that lets your institution launch a full neobanking and acquiring stack — branded end-to-end, deployed fast, designed to scale.
Merchant acquiring
Card acceptance, QR payments, settlement, and a full merchant dashboard — all branded to your bank.
Consumer super-app
Scan-to-pay, cashback, credit score, PayLater, and lifestyle offers — your bank in every pocket.
Loyalty & rewards engine
Cashback, points, and tiered merchant rewards — a closed-loop ecosystem your bank owns and controls.
Embedded financial products
Cross-sell loans, insurance, and BNPL in-context — triggered by real merchant and consumer signals.
Empower every staff member with a private AI workforce
A role-aware AI hub for every person in your institution — with infrastructure-level governance, budget control, and identity baked in.
Multi-model access
Costly frontier models unlocked per role — auto-gated at the infrastructure layer with governance baked in.
Budget control
Infrastructure-level token budgets per team, department, or user — zero cost overruns, full auditability.
Role-scoped knowledge base
Skills and documents exposed by staff role — compliance, ops, and credit each see their own context.
SSO & directory access
Staff identity via your existing directory — no separate provisioning, no identity silos.
Agentic intelligence across the full merchant lifecycle
From onboarding to underwriting to retention — every merchant interaction amplified with AI-driven automation and insight.
Agentic onboarding
Automated business onboarding with KYB checks and real-time director verification — reducing manual intake to near zero.
Agentic underwriting
Augmented business loan approval with automated document verification and AI-driven credit decisioning.
Agentic product recommendation
AI-powered cross-sell engine with gamification mechanics — right banking products to the right merchants at the right time.
Agentic relationship insights
Continuous merchant health scoring and churn prediction — equipping RMs with AI action triggers before issues arise.
Multi-agent intelligence for compliance & fraud defence
Real-time, adaptive defence across every transaction — reducing false positives, automating compliance, and freeing up your best analysts for what matters.
Agentic fraud management
Real-time, multi-signal fraud detection that adapts to emerging threat patterns — without manual rule tuning.
Multi-agent incident management
Automated triage and resolution of transaction alerts — significantly reducing false positives and analyst workload.
Sanctions & scenario rule engine
Automated sanction screening with customisable, AI-driven scenario-based rule management for evolving compliance needs.
Regulatory reporting automation
AI-assisted generation of STRs, CTRs, and audit trails — ensuring timely, accurate submissions with minimal team effort.
Frequently asked questions
Need help? Browse our FAQs or reach out to our team for quick support.
What exactly is the Moby Ecosystem?
The Moby Ecosystem is a suite of four AI-native products built for financial institutions: Moby Neo (neobanking platform), Moby Hive (AI workforce hub), Moby MRM Suite (merchant lifecycle), and Moby Sentry (transaction monitoring). They work independently or as one unified intelligence layer.
Can we use just one product, or do we need all four?
Every product is standalone. Most institutions start with one — often Neo or Sentry — and expand as value compounds. The ecosystem gets more powerful when products share context, but there’s no all-or-nothing lock-in.
How does Moby Neo differ from a typical core banking platform?
Neo sits above the core — it turns your existing licence into a branded acquiring and consumer ecosystem, without replacing your core. Think merchant acquiring, super-app, rewards, and embedded finance delivered fast, in your brand.
Is Moby Hive secure enough for regulated financial data?
Yes. Hive is built for regulated environments with SSO, directory-based provisioning, role-scoped knowledge, infrastructure-level token budgets, and full audit trails. Data never leaves your governance boundary.
How quickly can we deploy?
Timelines depend on the product and your environment. Hive pilots can be live in weeks. Full Neo deployments typically run 3–6 months. We’ll scope this precisely during your discovery call.
